Singapore’s workforce landscape is evolving, and so is the government’s commitment to supporting lower-wage workers. The Workfare Income Supplement (WIS) will be enhanced in 2025, bringing significant improvements to help working Singaporeans manage rising living costs while building their future savings.
What Makes the 2025 WIS Enhancement Special?
The enhanced Workfare program isn’t just about bigger payouts—it’s a complete reimagining of how Singapore supports its diverse workforce. From 2025, eligible workers can receive monthly payouts adding up to $3,267 per year, with a split between immediate cash support and long-term MediSave savings.
The most exciting change? Monthly payments instead of annual lump sums. This means you’ll have predictable support flowing into your account every month, making it easier to plan your expenses and maintain financial stability.
Who Qualifies for the $3,267 Annual Support?
The eligibility criteria have been carefully designed to reach those who need support most. Here’s what you need to qualify:
Basic Requirements:
- Must be a Singapore citizen
- Aged 30 years or above (exceptions for persons with disabilities)
- Total annual income (including Net Trade Income) must not exceed $28,000
- Worked for at least two months in 2024
- Mandatory CPF and MediSave contributions completed
Income Limits by Category: For employees and platform workers, the gross monthly income must fall between $500 and $3,000. Self-employed persons have specific requirements outlined in their category guidelines.
Property and Spouse Requirements: Your property’s annual value must not exceed $13,000, and if you’re married, the assessable income of their spouse must not exceed $70,000 annually.
Understanding Your WIS Payout Structure
The beauty of the WIS system lies in its dual approach—supporting both your immediate needs and long-term financial security. Here’s how the payments work:
| Age Group | Maximum Annual Amount | Cash Portion | CPF/MediSave Portion |
|---|---|---|---|
| 30-34 years | $2,400 | 40% | 60% to CPF |
| 35-44 years | $2,800 | 40% | 60% to CPF |
| 45-54 years | $3,200 | 40% | 60% to CPF |
| 55-59 years | $3,600 | 40% | 60% to CPF |
| 60+ years & PWDs | $3,267 | 10% | 90% to MediSave |
What This Means for You: For workers aged 60 and above or individuals with disabilities, the maximum WIS payout is $3267, offering increased support for those who face higher expenses or job limitations. The higher MediSave allocation for older workers helps build a stronger healthcare fund for retirement.
The Three Worker Categories Explained
Employees: Regular workers employed by companies receive a maximum of $4,900 annually, with 40% paid in cash and 60% directed into CPF contributions.
Self-Employed Persons (SEPs): Independent contractors, freelancers, and small business owners continue with the traditional annual payout system, receiving their WIS by April of the following year.
Platform Workers: This exciting new category includes ride-hailing drivers, food delivery riders, and gig workers on digital platforms. From 2025, eligible platform workers will receive WIS monthly instead of annually, as platform operators will deduct CPF contributions from platform workers.
Monthly Payment Schedule That Works for You
Gone are the days of waiting for annual payouts. The payment schedule for Workfare Income Supplement (WIS) is base on the month you work. Here’s exactly when you can expect your money:
- Work done in January 2025: Payment by end of March 2025
- Work done in February 2025: Payment by end of April 2025
- Work done in March 2025: Payment by end of May 2025
The payments are made two months after the work month and those linked to PayNow-NRIC or a bank account can receive their payments earlier. If you haven’t set up PayNow, you’ll receive payments via GovCash.
No Application Required—It’s Automatic!
Here’s the best part: for most eligible individuals, there’s no need to submit a formal application to receive Workfare Income Supplement (WIS). Your eligibility is automatically assessed based on income information from your employer or platform operator.
However, self-employed persons need to take one important step: declare your income to IRAS. This ensures the CPF Board receives accurate information to calculate your WIS entitlement.
Building Long-Term Financial Security
The WIS program goes beyond immediate financial relief. The Singapore Workfare Income Supplement is one of the best scheme by government that helps workers to prepare for future financial needs, such as retirement and healthcare expenses.
By automatically channeling a portion of your WIS into CPF and MediSave accounts, the government ensures you’re building retirement savings and healthcare funds even while receiving immediate support. It’s like having a forced savings plan that works in your favor.
Looking Ahead: What’s Coming in 2029
The government’s commitment extends well into the future. From 2029, eligible platform workers who are mandated or opt in to the increased CPF contributions will receive higher WIS payments, at the same level as employees. This means platform workers who align their CPF contributions with traditional employees will enjoy even greater financial support.
Making the Most of Your WIS Benefits
To maximize your WIS benefits, ensure you:
- Keep your income declarations up to date with IRAS
- Monitor your CPF contributions regularly
- Set up PayNow-NRIC linking for faster payments
- Stay informed about annual eligibility criteria updates
The enhanced WIS program represents Singapore’s recognition that work has evolved, and support systems must evolve too. Whether you’re a traditional employee, running your own business, or part of the growing gig economy, this program ensures you have both immediate financial breathing room and long-term security.
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